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Dampak Operasional Merger Perbankan: Sintesis Literatur dan Implikasinya terhadap Industri Perbankan Rahmat Fajar Ramdani
Lokawati : Jurnal Penelitian Manajemen dan Inovasi Riset Vol. 4 No. 3 (2026): Mei: Jurnal Penelitian Manajemen dan Inovasi Riset
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/lokawati.v4i3.2543

Abstract

Mergers and acquisitions have served as a primary strategy for global banking consolidation over the past three decades, including in Indonesia, which is currently undergoing one of its most massive consolidation waves—one notable example being the emergence of Bank Syariah Indonesia. This article aims to provide a narrative review of the literature on the operational impacts of mergers on bank performance, with a particular focus on implications for the Indonesian context. Based on a systematic search of the Scopus database, 52 peer-reviewed articles published between 2000 and 2025 were analyzed using a narrative thematic synthesis approach. Five main themes were identified: cost efficiency, service quality, risk management, human resource and cultural integration, and information systems and technology integration. The key findings indicate that although 73.1% of studies report post-merger improvements in cost efficiency, these benefits are highly contingent upon the quality of post-merger integration especially in the areas of human resources, organizational culture, and information technology with IT integration failure rates reaching as high as 75%. Domestic mergers consistently achieve efficiency gains more rapidly than cross-border mergers, whereas risk implications depend heavily on the type of merger and the quality of integration. Policy implications include the need for the Financial Services Authority (Otoritas Jasa Keuangan) to monitor post-merger integration quality, provide integration guidelines for smaller banks, take into account the specific characteristics of Islamic banks, and ensure a streamlined, non-burdensome licensing process. Further research particularly empirical studies on banking mergers in Indonesia—is urgently needed to test the generalizability of global findings to the local context.
Pengaruh Pendapatan Non Halal, Zakat, dan Dewan Pengawas Syariah terhadap Reputasi Bank Syariah: Studi Perbandingan Bank Umum Syariah di Indonesia dan Malaysia Periode 2018-2024 Wiwit Putri Utami; Wahyu Iryana; Rahmat Fajar Ramdani
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (2026): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v11i2.11009

Abstract

The growth of the Islamic banking industry requires these institutions to not only focus on their financial performance, but also maintain their reputation as a reflection of social legitimacy and public trust. This study aims to analyze the effect of non-halal income, zakat, and the Sharia Supervisory Board (DPS) on the reputation of Islamic Commercial Banks (BUS) in Indonesia and Malaysia for the period 2018–2024. This study uses a comparative quantitative approach with a purposive sampling method targeting 7 BUS in Indonesia and 6 BUS in Malaysia and analyzed using multiple linear regression. The results show that in Indonesia, non-halal income has no significant effect on reputation, while zakat and DPS have a positive and significant effect. In Malaysia, non-halal income has a negative and significant effect on reputation, while zakat and DPS have a positive and significant effect. These results indicate that compliance with sharia and corporate governance play an important role in building the reputation of Islamic banks, with differences in influence influenced by regulatory characteristics and supervisory systems in each country.